Tool 3:
Cash, paychecks, direct
deposit, payroll cards, and
EBT—understanding the
benefits and risks
Salaries, wages, and public benefits can be provided in a variety of ways: cash, paychecks, direct
deposit, payroll cards and electronic benefits transfer (EBT) cards. Each has potential pros and
cons related to convenience, security, and fees.
The table below highlights some of the pros and cons associated with each method in order to
help you make an informed decision about how to receive income and benefits.
*Note that the availability of EBT cards—and the fees and other details regarding their use—vary
from state to state and from program to program.